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The Cash Store
Share of complaints that ended with money back
1.3%
Of the 154 complaints recorded against Cottonwood Financial Ltd. in the CFPB database, 2 were closed with monetary relief. Read this as one figure from a public dataset, not a grade: it is not adjusted for how many customers or loans a company has, its product mix, complaint severity, or how each firm classifies its responses — so it should not be read as this lender treating people better or worse than another.
Issue categories as selected by borrowers on the CFPB complaint form.
| Issue | Complaints | Share |
|---|---|---|
| Charged fees or interest I didn't expect | 41 | 26.6% |
| Struggling to pay your loan | 29 | 18.8% |
| Can't contact lender | 16 | 10.4% |
| Problem with the payoff process at the end of the loan | 10 | 6.5% |
| Payment to acct not credited | 9 | 5.8% |
| Can't stop charges to bank account | 7 | 4.5% |
The outcome the CFPB recorded for each complaint after the company responded.
| Outcome | Complaints | Share |
|---|---|---|
| Closed with explanation The company stated its position; nothing changed for the borrower. | 148 | 96.1% |
| Closed with non-monetary relief A non-cash fix (e.g. a correction or a stopped practice). | 3 | 1.9% |
| Closed with monetary relief Money was returned. | 2 | 1.3% |
| Closed Closed with no category recorded. | 1 | 0.6% |
You can withdraw permission for any company to debit your account, and instruct your bank to block the payment. Neither step needs the lender’s agreement, and neither depends on whether you still owe the money.
Top states by complaint volume. Each links to that state’s law page.
| State | Complaints |
|---|---|
| Texas | 95 |
| Wisconsin | 17 |
| Illinois | 13 |
| New Mexico | 4 |
| Michigan | 3 |
| Minnesota | 3 |
| Utah | 3 |
| Idaho | 2 |
Verbatim from complaints filed against Cottonwood Financial Ltd. in the CFPB database. XX and XXXX are the Bureau’s own redactions of personal details. These are allegations by borrowers, published by the CFPB — not findings, and not necessarily accepted by the company.
From XXXX, I contracted XXXX on XXXX separate occasions and was forced per CDC guidelines to quarantine. In the jobs that I had, I was only compensated for when I was symptomatic ( usually XXXX days ) the other I had to take no pay. I kept a good payment history with my creditors but XXXX thing led to another and I fell behind on basic…Struggling to pay your loan · complaint filed 2024-07-04
XXXX XXXX last XXXX my account is paid in full at the cash store as I only owed {$970.00} my principal amount was {$900.00} XXXX paid the Cash store in XX/XX/2017 {$300.00} in XX/XX/2017 I paid {$240.00} in XX/XX/2017 I paid {$180.00} in XX/XX/2017 I paid {$240.00} that should add up to {$960.00} XXXX wed XXXX dollars in total I never…Can't contact lender or servicer · complaint filed 2024-05-16
XXXX XXXX last 4 my account is paid in full at the cash store as I only owed {$970.00} my principal amount was {$900.00} I paid the Cash store in XX/XX/2017 {$300.00} in XX/XX/2017 I paid {$240.00} in XX/XX/2017 I paid {$180.00} in XX/XX/2017 I paid {$240.00} that should add up to {$960.00} I wed XXXX dollars in total I never made the…Loan payment wasn't credited to your account · complaint filed 2024-04-24
More complaints does not mean worse. A company serving millions of borrowers will collect more complaints than one serving thousands, whatever the quality of either. That is why the headline figure is a rate — the share of complaints that end with money back — not a count. The rate already adjusts for how many people complained.
A complaint is also an allegation, not a finding. The CFPB does not verify what borrowers write, and neither do we.
The complaint counts, resolution outcomes, issue and state breakdowns on this page come straight from the CFPB Consumer Complaint Database (a public federal dataset of 15,188,499 complaints filed since 2011; retrieved 3 August 2026) and refresh from that API — no editorial judgement is applied to those numbers. The regulatory-action, rent-a-bank and SEC-filing sections, the lender’s classification and description, and the company-name matching are researched and reviewed by hand, and dated where shown.
Complaints are published after the company responds or after 15 days, whichever comes first. The CFPB does not verify borrowers’ accounts, and a complaint is not a finding of wrongdoing. The database is not a statistical sample of all customer experience. Search the full database →
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